Before subscribing, please read the information sheet and the general terms and conditions of the Co-tenants’ Insurance.
Before subscribing, please read the information sheet and the general terms and conditions of the Co-tenants’ Insurance.
All co-tenants covered by a single policy
With Flora, all co-tenants are listed on the contract and the insurance certificate. That’s guaranteed to put a smile on the landlord’s face!Tailor-made coverage
We have removed all the coverage included in a traditional tenant's fire insurance policy that makes no sense for a shared property. The result? A cheaper policy! Isn’t that great? 🥳The Flora app to manage everything
A housemate leaving? Another one arriving? Want to change the policyholder? Everything is done in just a few clicks on our mobile app, with complete ease! 📱A single monthly subscription
At Flora, we’re all about simplicity! There is only one monthly subscription for the whole property and the payments are made automatically. All you have to do is share in Tricount. 😉
Note that there are cases where you are not covered: damage caused intentionally, damage to your car, damage to equipment for professional use, damage caused by condensation or scratches and chipping that not considered glass breakage. Keen to find out more?
Your Co-tenant Insurance covers your liability as well as that of your housemates, but what about your liability outside the home and your dog’s liability? By adding the Family Insurance option, you get extended coverage for yourself, your housemates, and even your four-legged companion 🐶
100% digital Co-Tenant Insurance, because the future is digital!
The contract is concluded for a period of one year. Every year, this contract is automatically renewed on its expiry date for a subsequent period of one year, unless it is terminated by one of the parties in accordance with the terms and timeframes set out in the General Terms and Conditions.
Before subscribing to Flora insurance, carefully check what is and is not covered in the product information sheet and the general terms and conditions. Flora is a trademark of Ethias SA. Ethias SA, with licence no. 196, voie Gisèle Halimi 10 4000 Liège, is an insurance company licensed in Belgium and subject to Belgian law. RPM Liège VAT BE 0404.484.654 – IBAN: BE72 0910 0078 4416 BIC: GKCCBEBB.
If you have a complaint, you can e-mail us at complaint@flora.insure or write to Flora, voie Gisèle Halimi 10 4000 Liège. If you are not satisfied with the proposed solution, you can contact the Insurance Ombudsman through the website www.ombudsman.as or by mail: info@ombudsman.as.
You can also file a complaint online on the ODR platform of the European Commission.
In Wallonia and Flanders, every housemate must be insured. In Brussels, fire insurance will become mandatory for all cohousing leases signed or renewed starting November 1, 2024.
Why is it essential? In case of an accident, if you or one of your housemates causes damage to the property, you are responsible. It’s up to you to cover the repair costs. That’s where we come in! 😉**